lowest 13 payment

[PoorGrammyinBK7]

I'm sorry - I thought it did

[PoorGrammyinBK7]

Oops - I just scrolled down and realized that you were not talking to me...

[lrprn]

I was just thinking...what is the average amt, most of you are able to save each month once all of your expenses have been paid?

Everything depends on how good your lawyer is at setting up a plan you can live on for 3-5 years (the normal time span for a 13 except in very unusual circumstances like those listed here). Writing a good Ch 13 plan is more of an art than a science (and the major reason why choosing an excellent Ch 13 lawyer is the most important thing you can do to help yourself in Ch 13).

Is a savings of $200 month possible on these plans?

Is it possible? Yes, and sometimes in the best months even more. But it isn't possible every single month. Unexpected expenses pop up out of nowhere. Appliances quit. Cars need repair. Kids need clothes for school. Medical expenses happen. And the only safety net you have for the length of your plan is what you manage to scrape together and save, or borrow from friends and family.

It's a tough ride praying that nothing catastrophic happens for the entire length of your plan - you're walking a constant financial tightrope balancing income vs expenses every single month praying there's some little bit left over at the end you can put away for the inevitable rainy day. Strict budgeting is the rule of the day in Ch 13 or you won't make it.

[gunsmoke]

Exactly